Can I get a personal loan in Ohio with The Lending Group?

Yes. We match Ohio residents with lending partners licensed by the Division of Financial Institutions. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.

Who regulates personal loan lenders in Ohio?

The Ohio Department of Commerce's Division of Financial Institutions licenses and examines consumer installment lenders under Revised Code Chapter 1321, and publishes a public licensee search.

Is there an interest rate cap on personal loans in Ohio?

Ohio uses bracketed limits under Chapter 1321 rather than one flat cap, with permissible rates and fees varying by loan size and term. Every licensed lender must disclose the APR and total finance charge in writing before you sign.

How much can I borrow in Ohio?

Partners in our network offer $2,500 to $50,000. Ohio's lower cost of living often produces favorable debt-to-income ratios, so many Ohio applicants qualify for more than their income alone would suggest.

Are payday loans the same as personal loans in Ohio?

No. Ohio's Fair Lending Act (HB 123) reformed short-term lending with rate limits, minimum durations, and an affordability test, but those products remain far more expensive than a Chapter 1321 installment loan.

Can I use an Ohio personal loan for furnace or roof repairs?

Yes. Furnace and boiler replacement, roof repair after ice damage, sewer line work, foundation repair, and electrical panel upgrades are all permitted and common uses given Ohio's older housing stock.

How fast do personal loans fund in Ohio?

Comparing takes about 60 seconds. After you choose a lender and complete their verification, most approved loans deposit in one to three business days, with same-day funding available from some partners.

Can I get an Ohio personal loan with fair credit?

Yes. Borrowers between 580 and 669 typically see APRs from 17.99% to 24.99% with smaller amounts and more documentation requests. Comparing several offers matters most in this band.

Do union and public-sector workers qualify easily in Ohio?

Stable W-2 income with long tenure is the easiest profile for lenders to verify, so union, public-sector, healthcare, and higher-education applicants often present strong files even at moderate incomes.

Can self-employed Ohioans qualify?

Yes, with documentation. Have two years of tax returns, recent 1099s, or several months of bank statements showing consistent deposits available when you apply.

Is there a prepayment penalty on Ohio personal loans?

Loans in our network carry no prepayment penalty, so extra payments go straight to principal and pull the payoff date forward. Confirm this in your lender's agreement.

What if an Ohio lender treats me unfairly?

File a complaint with the Ohio Division of Financial Institutions, which examines Chapter 1321 licensees, and with the federal Consumer Financial Protection Bureau. Keep every disclosure and statement.

Does The Lending Group lend money in Ohio?

No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. All loans come from licensed lending partners, and our comparison service is free to you.

What credit score do I need for a personal loan in Ohio?

Most lending partners serving Ohio look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.

What income do I need to qualify in Ohio?

There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many OH applicants qualify from about $1,500 a month in documented income.

Can I apply in Ohio if I receive Social Security, disability, or pension income?

Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.

Can I get a personal loan in Ohio without a job?

Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.

Do I need a bank account to borrow in Ohio?

Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.

Can two people apply together on a Ohio personal loan?

Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.

Will applying from Ohio hurt my credit score?

No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.

What is a good personal loan APR in Ohio right now?

For 2026, a fixed APR under about 11% is strong for Ohio borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Ohio are shaped by Ohio Consumer Installment Loan Act (ORC Ch. 1321) — bracketed rate limits under orc ch. 1321.

Are there origination fees on Ohio personal loans?

Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.

Why do two Ohio lenders quote me different rates for the same application?

Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical OH applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.

Are personal loan rates in Ohio fixed or variable?

Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.

Can I refinance an existing Ohio personal loan for a lower rate?

Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.

How much does a $10,000 personal loan cost in Ohio?

At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Ohio numbers before applying.

Which agency should a Ohio borrower contact with a lender complaint?

Start with the Ohio Division of Financial Institutions, which licenses and examines consumer lenders under Ohio Consumer Installment Loan Act (ORC Ch. 1321) and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.

How do I verify a lender is licensed in Ohio?

Check the Ohio Division of Financial Institutions licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.

What federal disclosures should a Ohio borrower receive before signing?

The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Ohio Consumer Installment Loan Act (ORC Ch. 1321) apply on top of these federal floors.

Is there a right to cancel a personal loan in Ohio?

Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.

Are prepayment penalties allowed in Ohio?

Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.

Does Ohio law limit debt collection if I fall behind?

Yes. The federal Fair Debt Collection Practices Act plus Ohio collection rules restrict harassment, false statements, and contact at unreasonable hours, and Ohio sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.

Does The Lending Group make credit decisions or charge Ohio residents a fee?

No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

Ohio Personal Loans

Personal Loans in Ohio: Compare OH Lender Offers

Ohio residents can compare unsecured personal loans from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99% through The Lending Group's marketplace. Consumer installment lenders serving Ohio are licensed by the Division of Financial Institutions under Revised Code Chapter 1321. Checking your rate is a soft credit pull with no score impact.

Compare offers from lenders licensed to serve Ohio residents
Borrow $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%
Soft credit pull only — checking your rate never affects your score
Most approved loans fund in 1–3 business days
Available statewide, from Columbus, Cleveland, Cincinnati and everywhere between
No fee to compare and no obligation to accept an offer

Check my rate →Estimate my payment

Soft credit check • No impact to your credit score • 60-second form

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Soft credit pull
60-second form
No fee to compare

At a glance

State served: Ohio (OH)
Loan amounts: $2,500 – $50,000
APR range: 6.99% – 24.99% fixed
Repayment terms: 24 – 84 months
Minimum credit score: 580 (670+ preferred)
State regulator: Ohio Division of Financial Institutions
Governing law: Ohio Consumer Installment Loan Act (ORC Ch. 1321)
Rate & fee limits: Bracketed rate limits under ORC Ch. 1321
Typical funding time: 1 – 3 business days

Personal loan rates by credit score for Ohio borrowers (2026)

Credit band	FICO range	Typical APR	What to expect
Excellent	780–850	6.99% – 10.99%	Best pricing, longest terms, largest amounts available.
Very good	740–779	8.49% – 13.99%	Strong offers from most partners with minimal conditions.
Good	670–739	11.99% – 17.99%	Widest range of competitive offers; comparison matters most here.
Fair	580–669	17.99% – 24.99%	Fewer partners, smaller amounts, may require proof of income.
Building	Below 580	Limited availability	Consider a co-borrower or a secured product instead.

APRs shown are ranges advertised by lending partners serving Ohio as of 2026 and are illustrative, not an offer of credit. Your actual rate depends on credit profile, income, debt-to-income ratio, loan amount, term, and Ohio law. The Lending Group is a marketplace and does not set rates or make credit decisions.

Borrowing in Ohio: what local applicants should know

Ohio combines below-average housing costs with average incomes, which leaves most households with healthier debt-to-income headroom than borrowers in coastal states. That shows up directly in approvals: an Ohio applicant earning $65,000 frequently qualifies for a larger loan than a coastal applicant earning considerably more, because the ratio lenders underwrite on is far more favorable.

The state's three C's — Columbus, Cleveland, and Cincinnati — plus Toledo, Akron, and Dayton account for most applications, and the credit profile varies widely between them. Columbus and its suburbs have benefited from sustained job growth and skew toward the good and very good bands. Older industrial communities across northeast Ohio see more fair-credit applications, where comparing multiple offers rather than accepting the first has the largest dollar effect.

Housing age and winter climate drive the repair category. Much of Ohio's housing stock predates 1980, so furnace and boiler replacement, roof work after ice damage, sewer line and foundation repair, and electrical panel upgrades are common purposes in the $8,000 to $25,000 range. These are urgent, mid-size expenses that unsecured installment credit handles well.

Employment is heavily W-2 across manufacturing, logistics, healthcare, and higher education, which is the simplest income category for lenders to verify. Ohio also has a meaningful population of union and public-sector workers whose long tenure strengthens applications even at moderate income levels.

Ohio licensing and consumer protections

Consumer installment lenders operating in Ohio are licensed by the Department of Commerce's Division of Financial Institutions under Chapter 1321 of the Ohio Revised Code. The Division maintains a public licensee search, examines licensees, and accepts consumer complaints directly. Making consumer loans in Ohio without that license is unlawful.

Ohio uses a bracketed rate structure rather than a single flat cap: permissible interest and authorized fees vary with loan size and term under Chapter 1321, and licensed lenders must price within those brackets. Whatever the bracket, the Truth in Lending Act requires the lender to disclose your APR, finance charge, amount financed, and total of payments in writing before you sign — that APR is the number to compare across offers.

Ohio substantially reformed short-term lending through the Fair Lending Act (House Bill 123), which imposed rate and fee limits, minimum durations, and a monthly-payment affordability test on payday-style products after years of the state serving as a national example of what unregulated short-term lending produces. Those products remain far more expensive than a Chapter 1321 installment loan and should not be treated as interchangeable.

The Lending Group is a marketplace, not a lender. We do not extend credit, set rates, or make approval decisions in Ohio. Federal protections apply as well: the Equal Credit Opportunity Act prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance, and the Fair Credit Reporting Act governs how your credit data may be used.

How the marketplace works for Ohio residents

The Lending Group is an online lending marketplace, not a direct lender. We do not fund loans, set rates, or make approval decisions. We take a single Ohio application and match it against licensed U.S. lending partners so you can see multiple pre-qualified offers side by side instead of filling out the same form five times.

Pricing for the same borrower varies widely between lenders. Two lenders looking at an identical 690 FICO applicant in Ohio can quote APRs several percentage points apart, driven by their own risk models and funding costs. On a $20,000 five-year loan, a five-point difference is roughly $3,300 in interest — which is why comparing is the highest-value minute you will spend.

Comparing offers uses a soft credit inquiry that is visible only to you and has no effect on your FICO or VantageScore. A hard inquiry happens only if you choose a specific offer and that lender runs one to finalize underwriting.

Using the marketplace is free. We are compensated by lending partners when a match results in a funded loan, and that compensation never changes the rate you are quoted.

Common reasons Ohio residents borrow

Debt consolidation is the most frequent use. Rolling several credit card balances into one fixed-rate installment loan replaces revolving minimums with a defined payoff date, and because installment debt does not count toward revolving utilization, it often lifts a score within one or two billing cycles.

Home improvement and repair follow closely — roofs, HVAC replacement, storm and weather damage repair, and accessibility work. An unsecured personal loan closes far faster than a home equity product and does not put the property up as collateral.

Medical and dental bills, auto repair, moving costs, weddings, and genuine emergencies round out the list. Common exclusions across lenders include post-secondary tuition, gambling, and any illegal purpose.

Personal loan vs. other options for Ohio borrowers

How an unsecured personal loan compares with the alternatives most Ohio households weigh, using typical 2026 market figures.

	Personal loan	Credit card	HELOC	401(k) loan
Typical APR	6.99% – 24.99% fixed	~22.8% variable	~8% – 10% variable	~8.5% (prime + 1%)
Collateral	None	None	Your home	Your retirement balance
Time to funding	1–3 business days	Immediate	2–6 weeks	3–10 business days
Definite payoff date	Yes	No	After draw period	Yes (5 years)
Biggest risk	Higher rate than secured	Compounding interest	Foreclosure	Taxes if you leave your job

How it works

Step 1
Tell us what you need
Enter your loan amount, purpose, and basic contact details. The form takes about 60 seconds and never asks for payment.
Step 2
Compare pre-qualified offers
We match your profile against licensed lending partners with a soft credit pull. Your credit score is not affected.
Step 3
Pick the offer that fits
Review APR, monthly payment, term, and any origination fee side by side. Compare total cost, not just the monthly payment.
Step 4
Finish with your chosen lender
Complete verification directly with the lender you select. Most approved loans deposit funds in 1–3 business days.

What lenders in our network look for

Be at least 18 years old and a U.S. citizen or permanent resident
Have a verifiable source of recurring income — employment, self-employment, benefits, or retirement
Hold an active checking account in your own name for direct deposit and repayment
Provide a valid Social Security number and government-issued photo ID
Typically a FICO score of 580 or higher, with the best pricing at 670 and above
A debt-to-income ratio generally at or below 43%, including the new loan payment
An Ohio residential address and a phone number where you can be reached
Loans are made by lenders licensed by the Ohio Division of Financial Institutions; availability varies by lender

Requirements vary by lender. Meeting them does not guarantee an offer, and The Lending Group does not make credit decisions — see our marketplace disclosure.

Frequently asked questions

Can I get a personal loan in Ohio with The Lending Group?: Yes. We match Ohio residents with lending partners licensed by the Division of Financial Institutions. One soft-pull form returns pre-qualified offers from $2,500 to $50,000 with fixed APRs from 6.99% to 24.99%.
Who regulates personal loan lenders in Ohio?: The Ohio Department of Commerce's Division of Financial Institutions licenses and examines consumer installment lenders under Revised Code Chapter 1321, and publishes a public licensee search.
Is there an interest rate cap on personal loans in Ohio?: Ohio uses bracketed limits under Chapter 1321 rather than one flat cap, with permissible rates and fees varying by loan size and term. Every licensed lender must disclose the APR and total finance charge in writing before you sign.
How much can I borrow in Ohio?: Partners in our network offer $2,500 to $50,000. Ohio's lower cost of living often produces favorable debt-to-income ratios, so many Ohio applicants qualify for more than their income alone would suggest.
Does checking my rate affect my Ohio credit score?: No. Comparing offers uses a soft credit pull that is visible only to you and has no effect on your FICO or VantageScore. A hard inquiry occurs only if you select an offer and that lender finalizes underwriting.
Are payday loans the same as personal loans in Ohio?: No. Ohio's Fair Lending Act (HB 123) reformed short-term lending with rate limits, minimum durations, and an affordability test, but those products remain far more expensive than a Chapter 1321 installment loan.
Can I use an Ohio personal loan for furnace or roof repairs?: Yes. Furnace and boiler replacement, roof repair after ice damage, sewer line work, foundation repair, and electrical panel upgrades are all permitted and common uses given Ohio's older housing stock.
How fast do personal loans fund in Ohio?: Comparing takes about 60 seconds. After you choose a lender and complete their verification, most approved loans deposit in one to three business days, with same-day funding available from some partners.
Can I get an Ohio personal loan with fair credit?: Yes. Borrowers between 580 and 669 typically see APRs from 17.99% to 24.99% with smaller amounts and more documentation requests. Comparing several offers matters most in this band.
Do union and public-sector workers qualify easily in Ohio?: Stable W-2 income with long tenure is the easiest profile for lenders to verify, so union, public-sector, healthcare, and higher-education applicants often present strong files even at moderate incomes.
Can self-employed Ohioans qualify?: Yes, with documentation. Have two years of tax returns, recent 1099s, or several months of bank statements showing consistent deposits available when you apply.
Is there a prepayment penalty on Ohio personal loans?: Loans in our network carry no prepayment penalty, so extra payments go straight to principal and pull the payoff date forward. Confirm this in your lender's agreement.
What if an Ohio lender treats me unfairly?: File a complaint with the Ohio Division of Financial Institutions, which examines Chapter 1321 licensees, and with the federal Consumer Financial Protection Bureau. Keep every disclosure and statement.
Does The Lending Group lend money in Ohio?: No. We are an online marketplace. We do not fund loans, set rates, or make credit decisions. All loans come from licensed lending partners, and our comparison service is free to you.
What credit score do I need for a personal loan in Ohio?: Most lending partners serving Ohio look for a FICO score of 580 or higher, and the widest selection of offers opens at 670. Score is only one input: verifiable income, debt-to-income ratio, and payment history carry real weight. The Lending Group is a marketplace, not a lender, so we do not set score cutoffs — each licensed partner applies its own.
What income do I need to qualify in Ohio?: There is no single statewide income floor. Partners generally want to see steady, verifiable recurring income — pay stubs, 1099s, benefit letters, or several months of bank deposits — and enough room in your budget that the new payment keeps total debt-to-income at or below roughly 43%. Many OH applicants qualify from about $1,500 a month in documented income.
Can I apply in Ohio if I receive Social Security, disability, or pension income?: Yes. Fixed benefit income is treated as qualifying income by most partners as long as it is recurring and documentable with an award letter or bank deposits. Because that income does not typically rise, lenders pay close attention to the payment-to-income ratio, so a longer term with a smaller payment often produces a better outcome.
Can I get a personal loan in Ohio without a job?: Employment is not strictly required, but income is. Self-employment, contract work, rental income, retirement distributions, alimony, and benefits can all qualify when documented. Applications with no verifiable income source are declined by essentially every partner in the network.
Do I need a bank account to borrow in Ohio?: Yes. Partners fund by ACH deposit and collect payments the same way, so an active checking account in your own name is required. Prepaid cards and accounts held solely in someone else's name will not work for funding or autopay.
Can two people apply together on a Ohio personal loan?: Several partners accept co-borrowers or co-signers, which can lift the approval odds and lower the APR when the second applicant has stronger credit. Both people are fully liable for the balance, and the loan appears on both credit reports. Availability of joint applications varies by lender.
Will applying from Ohio hurt my credit score?: No. Comparing offers uses a soft credit inquiry that only you can see and that has no effect on FICO or VantageScore. A hard inquiry happens only after you choose a specific offer and that lender pulls credit to finalize underwriting — a step you control.
What is a good personal loan APR in Ohio right now?: For 2026, a fixed APR under about 11% is strong for Ohio borrowers with excellent credit, 12% to 18% is competitive in the good-credit range, and anything above 25% deserves a second look against alternatives. Rate limits in Ohio are shaped by Ohio Consumer Installment Loan Act (ORC Ch. 1321) — bracketed rate limits under orc ch. 1321.
Are there origination fees on Ohio personal loans?: Some partners charge an origination fee, typically 1% to 8%, deducted from the amount deposited; others charge none. The fee is folded into the APR by law, which is exactly why you should compare APR rather than the quoted interest rate. Request the amount financed and the total finance charge in writing before signing.
Why do two Ohio lenders quote me different rates for the same application?: Each lender uses its own risk model, cost of funds, and target borrower. Two partners looking at an identical OH applicant can be several percentage points apart. On a $20,000 five-year loan a five-point spread is roughly $3,300 in interest, which is the entire reason the marketplace exists.
Are personal loan rates in Ohio fixed or variable?: Offers presented through the marketplace are fixed-rate installment loans: the APR, the monthly payment, and the payoff date are locked at signing. That is a meaningful contrast with credit cards and HELOCs, whose variable rates move with the prime rate.
Can I refinance an existing Ohio personal loan for a lower rate?: Yes. If your score has improved or rates have moved, you can compare new offers and use the proceeds to retire the old balance. Check whether the current loan carries a prepayment penalty and compare remaining total interest rather than payment size before you refinance.
How much does a $10,000 personal loan cost in Ohio?: At 12.99% over 48 months a $10,000 loan runs about $268 a month and roughly $2,860 in total interest. At 19.99% the same loan is about $304 a month and roughly $4,590 in interest. Our personal loan calculator lets you model your own Ohio numbers before applying.
Which agency should a Ohio borrower contact with a lender complaint?: Start with the Ohio Division of Financial Institutions, which licenses and examines consumer lenders under Ohio Consumer Installment Loan Act (ORC Ch. 1321) and can investigate, order corrective action, and publish licensee records. You can also file with the federal Consumer Financial Protection Bureau. Keep every disclosure, statement, and message from the lender.
How do I verify a lender is licensed in Ohio?: Check the Ohio Division of Financial Institutions licensee lookup and the NMLS Consumer Access database, then confirm the exact legal entity name on your loan documents matches the licensed entity. Never send an advance "insurance," "processing," or "first payment" fee to secure a loan — that is a hallmark of an advance-fee scam, not a licensed lender.
What federal disclosures should a Ohio borrower receive before signing?: The Truth in Lending Act requires the APR, finance charge, amount financed, total of payments, and payment schedule in writing before you become obligated. The Equal Credit Opportunity Act bars discrimination and entitles you to a written adverse-action notice if you are declined. State rules under Ohio Consumer Installment Loan Act (ORC Ch. 1321) apply on top of these federal floors.
Is there a right to cancel a personal loan in Ohio?: Unsecured personal loans generally have no federal three-day rescission right — that applies to certain loans secured by your home. In practice, returning the funds promptly and paying any accrued interest is usually the cleanest exit. Read the cancellation language in your specific agreement, since terms vary by lender.
Are prepayment penalties allowed in Ohio?: Partners in our network do not charge prepayment penalties, so paying ahead saves the unaccrued interest. State law and each lender's agreement govern this, so confirm the prepayment clause in the contract before you sign.
Does Ohio law limit debt collection if I fall behind?: Yes. The federal Fair Debt Collection Practices Act plus Ohio collection rules restrict harassment, false statements, and contact at unreasonable hours, and Ohio sets its own exemptions and procedures for garnishment and judgments. Contact your lender before missing a payment — hardship plans and due-date changes are common and free to ask about.
Does The Lending Group make credit decisions or charge Ohio residents a fee?: No to both. The Lending Group is an online lending marketplace, not a lender, bank, or credit union. We do not fund loans, set APRs, approve or decline applications, or service accounts — licensed lending partners do all of that. Using the comparison service is free; partners compensate us when a match results in a funded loan, and that never changes the rate you are quoted.

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Compare offers from multiple lending partners with one soft-pull form. No fee, no obligation, no impact to your credit score.

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